Are Fortune 100 companies responsive to chronically ill workers?
B F Montenegro-Torres1, T Engelhardt, M Thamer
1Partnership for Solutions: Better Lives for People with Chronic Conditions, Johns Hopkins University, Baltimore, USA.
Health Affairs (Project Hope)
|July 21, 2001
Summary
Fortune 100 companies offer benefits for employees with chronic conditions, but coverage gaps and variations persist. Overall, these corporate plans surpass Medicare coverage for chronic condition management.
Area of Science:
- Health Services Research
- Corporate Health Benefits
- Chronic Disease Management
Background:
- Increasing prevalence of chronic conditions among the workforce.
- Need for comprehensive employee health benefits to manage long-term illnesses.
- Existing healthcare coverage limitations, including Medicare, for chronic care.
Purpose of the Study:
- To assess Fortune 100 companies' health benefit strategies for employees with chronic conditions.
- To identify coverage gaps and variations in corporate health plans.
- To compare employer-sponsored benefits with Medicare coverage for chronic conditions.
Main Methods:
- Survey of health benefit offerings across Fortune 100 companies.
- Analysis of coverage details, including services, cost-sharing, visit limits, and lifetime maximums.
- Comparative analysis against Medicare benefits for individuals with chronic conditions.
Main Results:
- All surveyed companies provide some services beneficial for chronic conditions.
- Significant gaps in coverage and wide variations in cost-sharing, visit limits, and maximum benefits were observed.
- Fortune 100 company benefits generally exceed Medicare's offerings for chronic condition management.
Conclusions:
- While Fortune 100 companies offer robust benefits for chronic conditions, inconsistencies necessitate further attention.
- Employer-sponsored health plans provide a superior baseline compared to Medicare for employees with chronic health needs.
- Ongoing evaluation of corporate health benefits is crucial to address evolving employee chronic condition management requirements.
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